Phone:
(914) 225-1113(914) 225-1113
The Core Five Group at Morgan Stanley
Direct:
(914) 225-2673(914) 225-2673
Our Mission Statement
Working with you to preserve and grow wealth for your long-term goals
Our Story and Services
We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals.
Services Include
- Financial PlanningFootnote1
- Wealth PlanningFootnote2
- Asset Management
- Professional Portfolio ManagementFootnote3
- Retirement PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Planning for Education FundingFootnote6
- Divorce Financial AnalysisFootnote7
- Alternative InvestmentsFootnote8
- Trust ServicesFootnote9
- Planning for Individuals with Special Needs
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We want to understand you and your unique financial situation so we can offer you the best possible advice and solutions.
Step 1. Exploratory Meetings
Our work with you starts with one or more in-depth exploratory meetings. We want to develop an understanding of your personal, professional, and financial picture.
Step 2. Developing a Financial Strategy
Once we have a clear understanding of your financial situation we develop a comprehensive financial strategy based around your financial concerns, needs and goals. We substitute discipline for emotion in the investment process, integrating the firms intellectual capital and investment resources to ensure your portfolio reflects your financial objectives.
Step 3. Ongoing Service and Care
Throughout the investment process, we maintain strict financial objectivity, adjusting your holdings to new opportunities and risks. We will help you navigate through your financial journey coordinating with other members of your financial team including your tax specialist, trust attorney and insurance professional.
Upcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: 100 Days of Trump 2.0
DATE: April 24, 2025 at 4:15 p.m. ETWhat do the policies of the administration's first 100 days indicate for the economy and the markets? Join Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, for a conversation with Global Head of Government Relations, Michael J. Stein, and Head of U.S. Policy, Monica Guerra, about potential implications for investors.Can't attend the live event? Register anyway for access to the replay.
4398292 04/2025
Online
Client Service Team
Senior Registered Client Service Associate
April Mathew
Phone: +1 914 225-6491
Email: April.Mathew@morganstanley.com
April is a seasoned Client Service Associate with 10 years of experience with the firm. Over the course of April's career, she has held several client service and operational roles with Morgan Stanley. As a Senior Registered Client Service Associate, she provides strategic operational and administrative support to clients. She is responsible for assisting in the handling of daily client operations and continuing to enhance our client service model to deepen relationships.
April holds FINRA Series 7 and 66 licenses. She received her B.B.A. in Management from Berkeley College.
April resides in Westchester, NY, with her husband Isaac and daughter Ariel. She enjoys spending time with family and friends, cooking, puzzles and exploring new potential hobbies.
Phone: +1 914 225-6491
Email: April.Mathew@morganstanley.com
April is a seasoned Client Service Associate with 10 years of experience with the firm. Over the course of April's career, she has held several client service and operational roles with Morgan Stanley. As a Senior Registered Client Service Associate, she provides strategic operational and administrative support to clients. She is responsible for assisting in the handling of daily client operations and continuing to enhance our client service model to deepen relationships.
April holds FINRA Series 7 and 66 licenses. She received her B.B.A. in Management from Berkeley College.
April resides in Westchester, NY, with her husband Isaac and daughter Ariel. She enjoys spending time with family and friends, cooking, puzzles and exploring new potential hobbies.
Valuable Tools and Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources, which provide some helpful perspectives on the economy, capital markets, and Morgan Stanley.
About Morgan Stanley
We believe capital can work to benefit all of society by doing the right thing, putting clients first, leading with exceptional ideas, committing to diversity and inclusion, and giving back.
About Morgan Stanley
Morgan Stanley Ideas
Read our perspective on what's shaping the world today, and tomorrow. We cover topics ranging from health care, sustainability, macroeconomics and technology
Morgan Stanley Ideas
Morgan Stanley Online (MSO) & MS Mobile
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
Mobile App & Online Wealth Management | Morgan Stanley
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts on the Market Financial Podcast | Morgan Stanley
Cybersecurity Center
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
Cybersecurity Center
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
MS Reserved
Modern Wealth Management Tools
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
MWM Tools
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
Morgan Stanley Digital Vault (brightcove.net)Location
2000 Westchester Ave 1nc
Purchase, NY 10577
US
Direct:
(914) 225-2673(914) 225-2673
Meet The Core Five Group
Phone:
(914) 225-1114(914) 225-1114
Sammy Papantoniou
Vice President, Financial Advisor, Portfolio Manager
Phone:
(914) 225-7272(914) 225-7272
April Mathew
Client Service Associate
Phone:
(914) 225-6491(914) 225-6491
About Kevin W. Feder
For Kevin Feder, wealth management is a family business. His father, David Feder, was a trusted Smith Barney Financial Advisor for a generation of Westchester families. Kevin is proud to continue that service to a new generation at Morgan Stanley, and to uphold his father’s values of honesty, integrity and sound advice.
Kevin has been managing wealth for high net-worth individuals, families and businesses over 19 years. He has helped to grow the wealth for families in Westchester and all over the country. With his broad experience he is ready to assist with retirement planning, estates and trusts, education planning, special needs planning, and all life transitions which affect a family’s financial well-being. Kevin and his team came to Morgan Stanley in April of 2022.
Kevin has a talent for making clients feel at ease and listening to their concerns. An active problem-solver, Kevin is frequently in touch with clients throughout the year to provide advice and guidance for all things financial. He prioritizes good communication and an active understanding between advisor and client. He applies his knowledge of bond markets, equities, and options strategies, to create an individually tailored, tax-efficient wealth management plan using the full breadth of products and services at Morgan Stanley.
By working closely with his client’s tax and legal advisors, Kevin ensures that his wealth management advice is fully integrated to simplify his client’s lives. Personalized wealth management is part of Kevin’s objective.
Prior to joining Morgan Stanley, Kevin was a Senior Financial Advisor at Merrill Lynch for thirteen years and prior to that at Smith Barney. He started in financial services working with his father David, who he considers his greatest mentor. Kevin is a 1994 graduate of Ohio University in Athens, OH.
Kevin is known to be a good friend, a terrific cook, and an espresso afficianado. For many years Kevin has been active in supporting the Elizabeth Seton Children’s Center in Yonkers, which houses and provides care to medically fragile children. He and his wife Kira live in Brewster and have a blended family of five children: Liam, Joely, Dayna, Kayla and Peyton. They enjoy travel and annual summer trips to Vermont, Rhode Island and Cape Cod, and most recently, Europe.
Kevin has been managing wealth for high net-worth individuals, families and businesses over 19 years. He has helped to grow the wealth for families in Westchester and all over the country. With his broad experience he is ready to assist with retirement planning, estates and trusts, education planning, special needs planning, and all life transitions which affect a family’s financial well-being. Kevin and his team came to Morgan Stanley in April of 2022.
Kevin has a talent for making clients feel at ease and listening to their concerns. An active problem-solver, Kevin is frequently in touch with clients throughout the year to provide advice and guidance for all things financial. He prioritizes good communication and an active understanding between advisor and client. He applies his knowledge of bond markets, equities, and options strategies, to create an individually tailored, tax-efficient wealth management plan using the full breadth of products and services at Morgan Stanley.
By working closely with his client’s tax and legal advisors, Kevin ensures that his wealth management advice is fully integrated to simplify his client’s lives. Personalized wealth management is part of Kevin’s objective.
Prior to joining Morgan Stanley, Kevin was a Senior Financial Advisor at Merrill Lynch for thirteen years and prior to that at Smith Barney. He started in financial services working with his father David, who he considers his greatest mentor. Kevin is a 1994 graduate of Ohio University in Athens, OH.
Kevin is known to be a good friend, a terrific cook, and an espresso afficianado. For many years Kevin has been active in supporting the Elizabeth Seton Children’s Center in Yonkers, which houses and provides care to medically fragile children. He and his wife Kira live in Brewster and have a blended family of five children: Liam, Joely, Dayna, Kayla and Peyton. They enjoy travel and annual summer trips to Vermont, Rhode Island and Cape Cod, and most recently, Europe.
Securities Agent: PA, FL, TX, NH, VT, CT, WA, NY, NC, DC, CA, VA, NV, IL, SC, NJ, ME, MD, CO, AL, MA, AZ, RI, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 579905
NMLS#: 579905
About Eugene J. Madden
Gene Madden is a Senior Financial Advisor at the Purchase, NY branch of Morgan Stanley. He has worked in different roles in finance for his entire career. He started as a Financial Analyst at Sanford Bernstein, then moved into Wealth Management to use his skills to help families build and manage their wealth. Before moving to Morgan Stanley as part of the Core Five Team in April 2022, Gene was at Merrill Lynch for thirteen years. Gene takes pride in serving individuals, families and businesses in Westchester, Florida and all over the country.
Gene is driven by a passion for delivering excellent service and helping clients pursue their goals. He offers a comprehensive approach to managing wealth that begins with getting to know a client, their financial situation and family, and what matters most to them. This close understanding of what is important allows Gene to provide individual tailored advice. Over years of relationships, Gene has come to know and provide guidance to generations of families.
His wealth management approach is customized and flexible as the client’s needs and market conditions change. Gene utilizes the investment insights of Morgan Stanley to address complications of his clients’ financial lives. Among his colleagues Gene is known as an incredibly diligent and thorough wealth management professional.
Gene received his undergraduate degree from Fordham University, majoring in Marketing and Finance, then pursued an MBA from Pace University, Lubin School of Business, majoring in mathematics and finance. He has also completed the certificate program from NYU in Financial Planning.
Gene follows the Morgan Stanley tradition of participating in the communities we serve through volunteer work. He is on the Board of Directors of Savvy Ladies®, a non-profit organization whose mission is to empower women to take control of their finances by providing a professional network of support & guidance, offering free financial guidance and to help build and preserve financial security. Gene and the other Members of the Board recently rang the closing bell on the New York Stock Exchange.
Gene has been married to his wife Renee and lives in Chappaqua in Westchester, where he can frequently be seen walking his rescue greyhound Joey. He has three children, Jenna, Tara and Ryan. When he isn’t planning his next big family vacation to far flung locations, Gene and his family love to spend time in Point Pleasant, NJ.
Gene is driven by a passion for delivering excellent service and helping clients pursue their goals. He offers a comprehensive approach to managing wealth that begins with getting to know a client, their financial situation and family, and what matters most to them. This close understanding of what is important allows Gene to provide individual tailored advice. Over years of relationships, Gene has come to know and provide guidance to generations of families.
His wealth management approach is customized and flexible as the client’s needs and market conditions change. Gene utilizes the investment insights of Morgan Stanley to address complications of his clients’ financial lives. Among his colleagues Gene is known as an incredibly diligent and thorough wealth management professional.
Gene received his undergraduate degree from Fordham University, majoring in Marketing and Finance, then pursued an MBA from Pace University, Lubin School of Business, majoring in mathematics and finance. He has also completed the certificate program from NYU in Financial Planning.
Gene follows the Morgan Stanley tradition of participating in the communities we serve through volunteer work. He is on the Board of Directors of Savvy Ladies®, a non-profit organization whose mission is to empower women to take control of their finances by providing a professional network of support & guidance, offering free financial guidance and to help build and preserve financial security. Gene and the other Members of the Board recently rang the closing bell on the New York Stock Exchange.
Gene has been married to his wife Renee and lives in Chappaqua in Westchester, where he can frequently be seen walking his rescue greyhound Joey. He has three children, Jenna, Tara and Ryan. When he isn’t planning his next big family vacation to far flung locations, Gene and his family love to spend time in Point Pleasant, NJ.
Securities Agent: NV, MD, FL, CO, AZ, TX, NJ, NC, OH, MA, PA, IL, RI, AL, VT, CA, SC, ME, WA, DC, CT, VA, NY, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 578928
NMLS#: 578928
About Sammy Papantoniou
Sammy Papantoniou has been in financial services since 2011. As the son of Greek immigrants and restaurant owners, Sammy's experience working at his parent’s restaurant has rooted him with a positive outlook, strong work ethic, and a quick problem-solving personality. Sammy is someone everyone needs in their corner.
Sammy has a passion for building portfolios. He objectively will assess a client's needs and create a strategy to help reach their goals. By using his own and Morgan Stanley’s research, Sammy constructs sector-oriented portfolios while always considering clients asset allocation needs.
Sammy prides himself in understanding each individual person. He regularly follows up with his clients, especially to discuss any updates that might influence a change in strategy.
Sammy has previously worked as a Financial Advisor and Portfolio Manager at Merrill Lynch for 11 years prior to his current position at Morgan Stanley.
He is a graduate of St. John's University with a bachelor's degree in Finance. He lives in Staten Island, NY, with his wife Donella and their twins Jacqueline and Andrew.
Sammy is a dedicated father and husband. He is involved in many sports activities in his community including Catholic Youth Organization Basketball and Little League Baseball. In his free time, you may find him barbecuing with friends at his home, attending a Yankees game, or coaching his kids. He and his family love to travel, especially the Caribbean Island of Aruba.
Sammy has a passion for building portfolios. He objectively will assess a client's needs and create a strategy to help reach their goals. By using his own and Morgan Stanley’s research, Sammy constructs sector-oriented portfolios while always considering clients asset allocation needs.
Sammy prides himself in understanding each individual person. He regularly follows up with his clients, especially to discuss any updates that might influence a change in strategy.
Sammy has previously worked as a Financial Advisor and Portfolio Manager at Merrill Lynch for 11 years prior to his current position at Morgan Stanley.
He is a graduate of St. John's University with a bachelor's degree in Finance. He lives in Staten Island, NY, with his wife Donella and their twins Jacqueline and Andrew.
Sammy is a dedicated father and husband. He is involved in many sports activities in his community including Catholic Youth Organization Basketball and Little League Baseball. In his free time, you may find him barbecuing with friends at his home, attending a Yankees game, or coaching his kids. He and his family love to travel, especially the Caribbean Island of Aruba.
Securities Agent: NY, TX, TN, PA, CO, NV, ME, SC, MD, AZ, WA, NC, DC, CA, LA, VT, OH, IL, RI, NJ, NH, MA, FL, AL, CT, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1525424
NMLS#: 1525424
About April Mathew
April is a seasoned Client Service Associate with 10 years of experience with the firm. Over the course of April's career, she has held several client service and operational roles with Morgan Stanley. As a Senior Registered Client Service Associate, she provides strategic operational and administrative support to clients. She is responsible for assisting in the handling of daily client operations and continuing to enhance our client service model to deepen relationships.
April holds FINRA Series 7 and 66 licenses. She received her B.B.A. in Management from Berkeley College.
April resides in Westchester, NY, with her husband Isaac and daughter Ariel. She enjoys spending time with family and friends, cooking, puzzles and exploring new potential hobbies.
April holds FINRA Series 7 and 66 licenses. She received her B.B.A. in Management from Berkeley College.
April resides in Westchester, NY, with her husband Isaac and daughter Ariel. She enjoys spending time with family and friends, cooking, puzzles and exploring new potential hobbies.
Contact Kevin W. Feder
Contact Eugene J. Madden
Contact Sammy Papantoniou
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Jake Barone
Planning Associate
About Jake Barone
Jake Barone is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Jake provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from The University of Rhode Island and received the Financial Planning Specialist® designation from the College for Financial Planning. Jake is originally from New York and currently resides in Monroe, New York.
He earned his undergraduate degree from The University of Rhode Island and received the Financial Planning Specialist® designation from the College for Financial Planning. Jake is originally from New York and currently resides in Monroe, New York.
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Core Five Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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Awards Disclosures
CRC 6491812 (04/2024)
